Live Oak Bancshares, Inc.
LOBFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeLive Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. With a market capitalization of $1.63B, it sits in small-cap territory. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits.
Market Cap
$1.63B
Beta
1.94
P/E (TTM)
12.51
P/E (Fwd)
8.22
EPS (TTM)
$2.81
EPS (Fwd)
$4.28
ROE
11.1%
ROA
0.9%
Cash
$1.10B
Total Debt
$99.8M
Free CF
—
52W Change
6.8%
Annual Financials
Cash vs Debt
Where LOB stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, LOB finished 9.86% below its 150-day moving average ($38.22) and 9.58% below its 200-day moving average ($38.10). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is LOB overbought or oversold?
At the October 20, 2026 close, LOB's RSI(14) was 31.4, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Live Oak Bancshares, Inc. holds $1.10B in cash against $99.8M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 11.1%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $391.9M (2022) to $541.2M (2025), reflecting a 38% increase over the period.
With a beta above 1.5, LOB tends to amplify broader market moves — both up and down. This higher volatility means larger price swings are common. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing LOB's risk profile alongside its fundamentals and technical indicators provides a more complete picture.